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Sing Investments & FinanceSGX:S35 86 Return-on-Tangible-Equity is 8.50% as of Dec. 2025, which is 16% above its 10-year median of 7.35. GuruFocus rates SGX:S35 with a GF Score™ of 86/100 and a GF Value™ of S$1.04 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 527 Credit Services companies, Sing Investments & Finance ranks better than 55.98% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Sing Investments & Finance's annualized net income for the quarter that ended in Dec. 2025 was S$41.3 Mil. Sing Investments & Finance's average shareholder tangible equity for the quarter that ended in Dec. 2025 was S$485.3 Mil. Therefore, Sing Investments & Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 8.50%.
The historical rank and industry rank for Sing Investments & Finance's Return-on-Tangible-Equity or its related term are showing as below:
SGX:S35'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.39 Med: 7.35 Max: 9.07
Current: 8.87
During the past 13 years, Sing Investments & Finance's highest Return-on-Tangible-Equity was 9.07%. The lowest was 4.39%. And the median was 7.35%.
SGX:S35's Return-on-Tangible-Equity is ranked better than 55.98% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs SGX:S35: 8.87
Sing Investments & Finance (SGX:S35) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Sing Investments & Finance Return-on-Tangible-Equity Related Terms
Sing Investments & Finance Return-on-Tangible-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sing Investments & Finance Return-on-Tangible-Equity Chart
SGX:S35 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Sing Investments & Finance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sing Investments & Finance Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sing Investments & Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sing Investments & Finance's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.50% mean?
Sing Investments & Finance (SGX:S35) has a Return-on-Tangible-Equity of 8.50% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sing Investments & Finance and its competitors. This is 16% above median its historical median of 7.35. Over the past decade, Sing Investments & Finance's Return-on-Tangible-Equity has ranged from 4.39 to 9.07. According to the industry distribution chart, Sing Investments & Finance ranks #232 out of 527 companies in the Credit Services industry, placing it in the top 44%.
Is Sing Investments & Finance's Return-on-Tangible-Equity too high?
Sing Investments & Finance's current Return-on-Tangible-Equity of 8.50% is 16% above median its 10-year median of 7.35. Over the past 10 years, this metric has ranged from a low of 4.39 to a high of 9.07. The Credit Services industry median Return-on-Tangible-Equity is 7.05. Sing Investments & Finance's value of 8.50% is 20.6% above this industry median. Based on the distribution chart, Sing Investments & Finance ranks #232 out of 527 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sing Investments & Finance has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sing Investments & Finance's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Sing Investments & Finance ranks #232 out of 527 companies for Return-on-Tangible-Equity. This puts Sing Investments & Finance in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.05. Sing Investments & Finance's value of 8.50% is 20.6% above this benchmark. Historically, Sing Investments & Finance's own Return-on-Tangible-Equity has ranged from 4.39 to 9.07 over the past decade. While the company's 10-year median is 7.35 vs. the industry median of 7.05, Sing Investments & Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sing Investments & Finance's current Return-on-Tangible-Equity of 8.50% is 20.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sing Investments & Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sing Investments & Finance's current Return-on-Tangible-Equity is 8.50%, which is 16% above median its own 10-year median of 7.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sing Investments & Finance stock overvalued right now?
Based on GuruFocus' analysis, Sing Investments & Finance (SGX:S35) is currently considered Significantly Overvalued. The stock's GF Value™ is S$1.04, compared to a current price of S$1.58 — trading 51.9% above its estimated fair value. The current Return-on-Tangible-Equity is 8.50%, which is 16% above median its 10-year median of 7.35 and 20.6% above the Credit Services industry median of 7.05. Sing Investments & Finance's overall GF Score™ is 86/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Sing Investments & Finance (SGX:S35), the current Return-on-Tangible-Equity is 8.50% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sing Investments & Finance (SGX:S35) Overvalued in 2026?
Based on GuruFocus' analysis, Sing Investments & Finance stock appears to be overvalued.
The current stock price of S$1.58 is trading 51.9% above its estimated GF Value™ of S$1.04.
GuruFocus considers Sing Investments & Finance to be Significantly Overvalued.
Key valuation signals for SGX:S35:
Return-on-Tangible-Equity: 8.50% (16% above median its 10-year median of 7.35)
GF Value™: S$1.04 vs. price of S$1.58 (51.9% above fair value)
Industry Position: 20.6% above the Credit Services median (#232 of 527)
No single metric tells the full story. See the SGX:S35 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sing Investments & Finance Ltd offers a range of financial products and services for both individuals and corporate/SME customers in Singapore. Its deposit products include business current, conveyancing, savings, GIRO saver, GoSavers, GoVault, and fixed deposit accounts. Personal financing covers housing and HDB loans, car loans, share loans, and commercial property loans, supported by personal e-services through SIF Mobile and SIF Online. For corporate and SME clients, the company provides financing solutions such as commercial property, land and construction, machinery, shipping, and floor stock loans, along with government-backed SME loans, invoice factoring, and unsecured business loans, supported by SIF BIZ Mobile and SIF BIZ Online platforms.
86GF Score
Get the complete analysis for SGX:S35
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